Limited to term cases with face amounts of $750,000 or greater, or permanent cases with face amounts of $500,000 or greater

Transcription

1 TimeSaverTM A proven solution for your impaired risk cases The Crump TimeSaver TM is the most widely accepted preliminary inquiry in the industry. This powerful tool helps identify the right solution for your impaired risk clients. Knowledge. Experience. Results. Limited to term cases with face amounts of $750,000 or greater, or permanent cases with face amounts of $500,000 or greater 280 South 400 West, Suite 100 Salt Lake City, UT phone: toll free: fax: CrumpLifeInsurance.com Connect with us! Copyright 2012 Crump Life Insurance Services, Inc.

2 The Crump TimeSaver TM The Crump TimeSaver TM (our informal inquiry) helps to identify potential solutions for your impaired risk clients by expediting the research of multiple carriers and determining which are more likely underwrite your clients to obtain a competitive offer. Goals The goals section of the TimeSaver asks for imperative information that will help your Crump Underwriter and sales team narrow down which carriers will be the best candidates for your clients. By knowing the premium tolerance, product information, and if the case was previously sent to carriers, we can focus on how to specifically negotiate with each carrier helping to get you the offer needed to complete a sale. Personal History The TimeSaver allows you to collect details that would not necessarily be addressed in medical records. Hazardous avocations, foreign travel, and driving history are important factors often overlooked in the informal underwriting process. Since these factors have a direct impact on the underwriting rate class, providing this information at the start of the process allows your Crump Underwriter to address these issues head on, eliminating surprises and delays later in the underwriting process. Medical Information Our job is to tell your client s story to the carrier. The TimeSaver can be instrumental in collecting the details of your client s medical history that helps our underwriters tell the story. Contact information for doctors, dates of treatments, medications, and build are pertinent aspects of any case. By your fully completing all medical sections of the TimeSaver especially providing information on the more complex medical issues such as cancer, diabetes, or cardac disease we gain valuable insight to help determine what medical records should be ordered upfront, reducing the overall time it takes for Crump to complete the file and send it to our carrier partners. While an offer is never guaranteed until the formal process is finalized, with a fully completed TimeSaver, we have the most accurate facts to present each case in a more favorable light. The TimeSaver is limited to: Term cases with face amounts of $750,000 or greater, or Permanent cases with face amounts of $500,000 or greater Connect with us! Copyright 2012 Crump Life Insurance Services, Inc.

3 Preliminary Inquiry Not an application for life insurance. This TimeSaver form is used exclusively to gather specific information on a proposed insured s medical history and other factors that may impact underwriting and rating classification. This is not an application for insurance and in no way guarantees a specific underwriting class or binds any insurance coverage with any insurance carrier. Crump Sales Manager Phone PERSONAL HISTORY (this section must be completed) Name Male Female Address City State Zip Date of Birth Age Height Weight Monthly Earned Income Net Worth Occupation Is the client a Foreign National? Yes No If yes, list country of citizenship Has the client traveled outside the United States? Yes No Green Card? Yes No Type of Visa If yes, list the countries and dates visited Please complete the Foreign Travel Questionnaire PRODUCER INFORMATION (this section must be completed) Name Crump Producer Number Address City State Zip Phone Fax Address Have you submitted this case previously? Yes No GOALS OF THE CASE (this section must be completed) What is the ultimate goal of the case? What premium is needed to place the case? Are you in competition? Yes No If in competition, with what companies? Where has the case been shopped and list the outcome? Are there any carriers we shouldn t consider? Did you discuss this case with an Advanced Sales Associate? Yes No Did you discuss this case with an Underwriter? Yes No If yes, who? Is your client interested in the following? Please check if applicable Business Planning Estate Planning Charitable Planning Other Annuities Disability Insurance Long Term Care Insurance Life Settlements (please complete the Disability questionnaire on the website and attach to this TimeSaver TM ) Page 3

4 REQUESTED COVERAGE (this section must be completed) Minimum Consideration: $500,000 face amount for permanent products $750,000 face amount for term products Universal Life Variable Life Term, Level Period Survivorship (please have other proposed insured submit TimeSaver TM as well) Whole Life Face amount desired? Will these premiums be financed? Yes No Possibly If you are replacing coverage, will there be any 1035 money with this replacement? Yes No If yes, what amount will be carried over? Provide details on pending and in-force coverage: Company Policy/Application Date Amount Class/Rating Issued Current Premium Do you intend to replace? Life Settlements: Indicate any activity in the past five years TOBACCO/NICOTINE USAGE (this section must be completed) Have you ever smoked cigarettes: Yes No If yes, date of last usage: Have you used other tobacco or nicotine containing products (examples: cigars, pipe, snuff, nicotine gum or patch) Yes No If yes, provide types and last date of use: MEDICAL HISTORY (this section must be completed) Who is your primary care physician? When did you last consult him/her? Any ongoing medical treatment? Doctor s name, address, phone Date Illness/Reason What other physicians have you consulted during the past five years? Why? (do not include insurance examinations) In what hospitals, clinics, or other health facilities have you ever been treated? List all medications, including over-the-counter drugs and vitamins FAMILY HISTORY (this section must be completed) Have any immediate family members (parents, siblings) been diagnosed or died from heart disease, cancer, or diabetes? If yes, provide details below. Yes No Relation (mother, father, brother, sister) Diagnosis Approximate age of disease onset (if deceased) age at death Page 4

5 DRUG AND ALCOHOL USAGE QUESTIONNAIRE Do you currently drink alcohol? Yes No Date of last consumption: Do you ever drink substantially more than present? Yes No If yes, when? Note amounts below: Note amounts below: Type Amount per week Type Amount per week Beer Beer Wine Wine Liquor Liquor Have you ever consulted a doctor or received treatment because of alcohol use? Have you ever been arrested for driving under the influence of alcohol? Yes No Yes No If yes, provide date(s) Have you ever used illegal drugs or sought treatment because of drug use? Yes No If yes, provide details Type of drug(s) used Date of last use Doctor/facility name and address CORONARY Date of diagnosis or first chest pain Dates/details of treatment/surgery (examples: Angioplasty, Bypass) Number of diseased vessels Date of last stress EKG Results By whom? Any pain since treatment/surgery? CANCER Exact name and location of cancer Stage and grade Who would have the pathology report Date/details of treatment/surgery DIABETES Date of diagnosis Treatment Diet only Oral medication Insulin Details Do you regularly test your blood glucose? Yes No Results Latest result of glycohemoglobin (A1C) test mg% Date Have you been diagnosed with having protein and/or microalbumin in your urine? Yes No Frequency Have you ever had: Eye trouble Yes No Heart trouble Yes No High blood pressure Yes No Have you ever had: Kidney trouble Yes No Neuritis/Neuralgia Yes No Insulin reactions Yes No HAZARDOUS ACTIVITIES Are you a private pilot? Yes No If yes, provide details. How many total hours have you flown as Pilot in Command? How many hours do you fly per year? Do you participate in the following activities? (check those that apply) Scuba Diving Bungee Jumping Ultralight Flying Sky Diving Mountain Climbing Hang Gliding Auto/Motorcycle Racing Other DRIVING HISTORY Do you have an IFR (instrument flight rating) Yes No DUI/DWI Reckless Driving Suspensions Any moving violations in the last five years? Please refer to our website or contact your Sales Manager for additional questionnaires and information. Page 5

6 HIPAA AUTHORIZATION FOR USE AND DISCLOSURE OF PROTECTED HEALTH INFORMATION (PHI) The undersigned insured(s) (hereafter referred to as I, me or my ), authorizes the use and disclosure of my personal health and medical information protected by state and federal law including the privacy regulations promulgated pursuant to the Health Insurance Portability and Accountability Act of 1996 (HIPAA) as follows: Description and Purpose of Disclosure: This authorization shall apply to any and all of my personal health and medical information, including medical records in their entirety which may contain mental health records (excluding psychotherapy notes, as defined by HIPAA) and restricted records, life expectancy reports, prescription drug records, HIV-related information, use of alcohol or controlled or prohibited substances, and employment records, whether or not personally or individually identifiable (collectively referred to as my PHI ). This authorization and all uses and disclosures of my PHI made under this authorization are for the purposes of allowing Crump Life Insurance Services, Inc. and any affiliated companies (hereinafter collectively Crump ) and any Authorized Recipient (as defined below) to: (1) determine my eligibility for Insurance Products and Services, as defined below; (2) market Insurance Products and Services to me; and/or (3) underwrite my health and/or life expectancy in connection with Insurance Products and Services. Insurance Products and Services means, for example, life insurance, disability insurance, life settlements (the selling of a policy in the secondary market), as well as premium financing and other similar types of products and services. Insurance Products and Services do not include long term care or other types of health insurance. Classes of Persons Authorized to Disclose My PHI: I authorize any health care provider, including any doctor, hospital or medically-related facility, nurse, pharmacy, physician, practitioner, or practitioner practice group (each an Authorized HCP ), and any insurance company, HMO/PPO or similar organization, employer or, except as may be limited by state law, any other organization, institution or person that has my PHI to disclose to Crump or any Authorized Recipient, any such records or information as provided under this authorization. Classes of Persons Authorized to Receive My PHI: PHI received by Crump may be disclosed under this authorization to any affiliates, subsidiaries, corporate parents, agents, independent contractors, insurance carriers, authorized representatives, premium finance entities, settlement providers, policy buyers or potential policy buyers, life expectancy underwriters and the officers, directors, employees, agents, and other representatives of each and to any other person or entity for the purposes herein described (each an Authorized Recipient ). Further Disclosure Authorization: I authorize each Authorized Recipient to further disclose my PHI as necessary to carry out the purposes under this authorization. I understand and acknowledge that PHI that is redisclosed by the Authorized Recipient may no longer be protected by law. I further acknowledge that some state and federal laws prohibit the further disclosure of information regarding the diagnosis, prognosis and treatment of drug or alcohol abuse, communicable diseases or infection including sexually-transmitted diseases or HIV without specific written consent. I hereby authorize Crump and each Authorized Recipient to further disclose the foregoing information to the extent such disclosure is necessary in order to carry out the purposes under this authorization. Expiration of Authorization: This authorization shall remain valid for two (2) years after the date signed below. Right to Revoke: I understand that I may revoke this authorization at any time by sending a written request for revocation to Crump or to any Authorized HCP at such address designated to me. Any revocation of this authorization shall not apply to the extent that any person has taken action in reliance upon this authorization prior to receiving written notice of my revocation. I understand that this authorization is a requirement for the underwriting, sale or settling of Insurance Products and Services and Crump may condition enrollment, eligibility, benefits, sale or settling of Insurance Products and Services on whether I sign this authorization. I also understand that since purchasing or settling Insurance Products and Services is not covered under HIPAA, this requirement does not prohibit this authorization from being used for multiple purposes, as described above. (Note to health care providers: life insurance, disability insurance and any other type of insurance to which this authorization would apply does not constitute a health plan under the HIPAA Privacy Rule. Accordingly, this authorization complies with the provisions of the HIPAA Privacy Rule governing authorizations (45 C.F.R. Sec )). A copy or facsimile of this authorization shall be as valid as the original. This authorization may be executed in any number of counterparts, each of which shall be deemed to be an original and all of which counterparts, taken together, shall constitute but one and the same instrument. I certify that I am executing and delivering this authorization freely and voluntarily as of the date written below. I further certify that I have received and retained a copy of this signed authorization for future reference. Signature of Insured/ Date Signature of Authorized Representative Date Relationship/Authority to Represent Page 6

7 AUTHORIZATION FOR USE AND DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION (NPI) I, the Policy Owner/Proposed Policy Owner, authorize Crump Life Insurance Services, Inc. or any affiliated company (hereinafter collectively Crump ) to use and disclose any and all Nonpublic Personal Information (NPI) about me to any Authorized Recipient, as such terms are defined below. This authorization and all uses and disclosures of my NPI made under this authorization are for the purposes of allowing Crump and any Authorized Recipient to: (1) determine my eligibility for Insurance Products and Services, as defined below; (2) market Insurance Products and Services to me; and/or (3) underwrite my health and/or life expectancy in connection with Insurance Products and Services. I, the Insured/ (if different than the Policy Owner/Proposed Policy Owner), authorize Crump Life Insurance Services, Inc. or any affiliated company (hereinafter collectively Crump ) to use and disclose any and all Nonpublic Personal Information (NPI) about me to any Authorized Recipient (as such terms are defined below). This authorization and all uses and disclosures of my NPI made under this authorization are for the purposes of allowing Crump and any Authorized Recipient to: (1) determine my eligibility for Insurance Products and Services, as defined below; (2) market Insurance Products and Services to me; and/or (3) underwrite my health and/or life expectancy in connection with Insurance Products and Services. Nonpublic Personal Information means information, including, without limitation, nonpublic personal, financial, health and medical information about the Policy Owner and Insured (if different than the Policy Owner) and the Policy Owner/Insured s identity as an owner/insured under a Life Insurance Policy that is obtained, whether from the Policy Owner/Insured, any of the Policy Owner s/insured s agents or representatives, any insurance company, health care or medical provider, professional or facility or any other source. Authorized Recipient includes any affiliates, subsidiaries, corporate parents, agents, independent contractors, insurance carriers, authorized representatives, premium finance entities, settlement providers, policy buyers or potential policy buyers, life expectancy underwriters and the officers, directors, employees, agents, and other representatives of each and to any other person or entity for the purposes herein described. Insurance Products and Services means, for example, life insurance, disability insurance, life settlements (the selling of a policy in the secondary market), as well as premium financing and other similar types of products and services. Insurance Products and Services do not include long term care or other types of health insurance. The Policy Owner and Insured/Proposed Policy Owner and Insured (if different than the Policy Owner) each agree and consent that this authorization shall be effective from the date hereof until the earlier of (a) the date that is two (2) years after the date hereof, or (b) an earlier date as may be required by applicable law or regulation. The Policy Owner and Insured/Proposed Policy Owner and Insured (if different than the Policy Owner) have the right to revoke this authorization, at any time, by providing written notification to Crump. A copy or facsimile of this authorization shall be as valid as the original. This authorization may be executed in any number of counterparts, each of which shall be deemed to be an original and all of which counterparts, taken together, shall constitute but one and the same instrument. The Policy Owner and Insured/Proposed Policy Owner and Insured (if different than the Policy Owner) each certify that he or she is executing and delivering this authorization freely and voluntarily as of the date written below. The Policy Owner and Insured/Proposed Policy Owner and Insured (if different than the Policy Owner) further certify that the authorization is written in plain language and acknowledge that each has received and retained a copy of this signed authorization for future reference. Signature of Insured/ Printed Name Date Page 7

8 AUTHORIZED RECIPIENTS INSURANCE CARRIERS ACE American Insurance Company Allianz Life Insurance Company of North America Allstate Life Insurance Company of New York American Equity Investment Life Company of NY American Equity Investment Life Insurance Co. American General Life American General Life Ins. Co. of Delaware American National Insurance Company American National Life Insurance Company of NY Ameritas Life Insurance Corp. Ameritas Life Insurance Corp. of NY Assurity Life Insurance Company Athene Annuity & Life Assurance Company Aviva Life and Annuity Company Aviva Life and Annuity Company of New York AXA Equitable Life Insurance Company Banner Life Insurance Company Columbian Mutual Life Insurance Company Companion Life Insurance Company Continental Assurance Company Fidelity Security Life Ins. Co. First MetLife Investors Insurance Company First Symetra National Life Insurance Company of NY Genworth Life and Annuity Insurance Company Genworth Life Insurance Company Genworth Life Insurance Company of NY Great American Life Insurance Company Hartford Life Insurance Co. ING USA Annuity and Life Insurance Company Integrity Life Insurance Company Jackson National Life Insurance Company Jackson National Life Insurance Company of NY John Hancock Life & Health Insurance Company John Hancock Life Insurance Company (USA) John Hancock Life Insurance Company of NY Liberty Life Assurance Life Insurance Company of the Southwest* Lincoln Benefit Life Insurance Company Lincoln National Life Insurance Company Lincoln Life Insurance & Annuity Co. of NY Lloyd s of London Mass Mutual MetLife Investors USA Metropolitan Life Insurance Company Minnesota Life Insurance Company* Mutual of Omaha National Integrity Life National Life Insurance Company* Nationwide Life Insurance Company New York Life* North American Co. for Life & Health Pacific Life* Penn Mutual Life Insurance Company Presidential Life Insurance Company* *Limitations apply; contact your Sales Manager for details. Principal Life Insurance Company Principal National Life Insurance Company Protective Life Insurance Company Protective Life & Annuity Insurance Company Prudential Life Insurance Company Reassure America Life Insurance Company ReliaStar Annuities ReliaStar Life Insurance Company (ING) ReliaStar Life Insurance Company of NY (ING) Securian Life Insurance Company Security Life of Denver Security Mutual Life Insurance Company of NY State Life Insurance Company Symetra Life Insurance Company The Standard Transamerica Financial Life Insurance Company Transamerica Life Insurance Company United of Omaha Life Insurance Company United States Life Insurance Company of NY United World Life Valley Forge Life Insurance Co. Western National Life Western-Southern Life Assurance Company William Penn Life Insurance Company of NY Zurich American Life Insurance Company* LIFE EXPECTANCY UNDERWRITERS 21st Services American Viatical Services, LLC (AVS) Examination Management Services, Inc. (EMSI) Fasano Associates, Inc. rev Copyright 2013 Crump Life Insurance Services, Inc. Variable Life Insurance and Variable Annuities distributed through P.J. Robb Variable Corp. Member FINRA. Page 8